Cedar Park TX Home Loans | Purchase and Refinance Mortgages

Your Premier Lender in Texas

We also do business in 45 states!

The Toby Thurman - Encompass Lending Team is your premier mortgage team located in Cedar Park, Texas. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Cedar Park area.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Let us help you get your home today.

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Years Experience

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Loans Closed

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$Million in Volume

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Star Rating

"If I'm Awake, I'm Available"

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Toby Thurman - Encompass Lending

Start your home loan process here!

Toby Thurman is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. He will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Toby can help you find the right loan program at the lowest rate no matter what your needs are.

Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

FHA Loan Options

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

Refinance Loan Options

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

VA Loan Options

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Jumbo Loan Options

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works best.

Purchase Loan Options

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you the best rate available.

Conventional Loan Options

View All Loan Programs

What our clients are saying

cdsundance1 from Georgetown, TX

If you're looking for a lender who can part the Red Sea again, Toby is your man. His team worked tirelessly for us to get us into our home. The communication was superb, and he found several ways to save us money in the process. We could not be more satisfied.

Reynail urrea from Austin, TX

Toby was great! He was quick with his responses and very helpful throughout the entire process. He also made everything clear and easy to understand. No bad things to say. Highly recommend!

Patricia K

Toby was a delight to work with! When I approached him with my situation, he was knowledgeable and was able to suggest an option that would work best for me. He was so patient and kind as he walked me through this process.

Margie Thurman

He takes incredible care of my clients!!! If there is a way around an obstacle, he will find it! He’s also available 24/7, stays in constant communication and takes great care of all parties in a transaction! I know his specialties are Jumbo loans, Self Employed, Down Payment Assistance, and Reverse mortgages which many times can help people over 62 stay in their homes or buy a new home!

Karen Rattan Flournoy

Toby is the kind of man who cares about those he serves, and is very genuine in his desire to help. He has years of experience and a world of knowledge that is very beneficial. I highly recommend Toby!

Call Us: (512) 422-4017

Encompass Lending with Toby Thurman